Metropolitan Area

Chambersburg, PA

Pennsylvania0
62
/100
Buy
#453 of 894 metros
Top 51% nationally for investing

Market Snapshot

$291,376
Median Home Price
14% above national median
$1,326/mo
Median Rent
4% below national median
5.46%
Rent-to-Price Ratio
Top 62% nationally
-$665
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Median Home Price

Median Rent

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$291,376
Down Payment (20%)$58,275
Loan Amount$233,101
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,326
Monthly P&I-$1,527
Est. Expenses (35%)-$464
Net Cash Flow-$665/mo
3.5%
Cap Rate (all cash)
-11.9%
Cash-on-Cash Return
5.46%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
62/100
62
Cash Flow(30%)
52/100

Based on 5.46% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
81/100

Based on 3.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
68/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Negative cash flow at typical financing (-$665/mo)
  • -Negative leverage (cap rate 3.6% < mortgage rate 6.9%)

Counties in Chambersburg, PA

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Ogdensburg, NY
Ogdensburg, NY
82$144,973$1,1699.67%Strong BuyView
Centralia, IL
Centralia, IL
82$123,413Est.Strong BuyView
McAlester, OK
McAlester, OK
82$151,079$1,1909.45%Strong BuyView
Snyder, TX
Snyder, TX
82$150,206$1,30010.39%Strong BuyView
Abilene, TX
Abilene, TX
82$217,009$1,82710.10%Strong BuyView
Current
Chambersburg, PA
62$291,376$1,3265.46%Buy

The Bottom Line

BuyChambersburg, PA offers solid investment potential with good cash flow or appreciation prospects.

The Chambersburg, PA metro area scores 62/100, ranking #453 of 894 US metros (top 51%). The 5.46% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-665/mo
Cap Rate
3.6%
Cash-on-Cash
-13.7%

Ready to Invest in Chambersburg, PA?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit properties
Explore Other Markets